--- title: "Credit Card — Police Bank" description: "Credit & Charge Cards from Police Bank. Rates, fees, features and eligibility as published under Australia's Consumer Data Right." canonical: https://www.cdrcompare.au/brands/police-bank/products/c2455d26-e138-4804-b59f-eccfef6df1ee source: "CDR Compare" language: en-AU last_updated: 2026-07-28T22:48:34.353Z --- # Credit Card — Police Bank > Credit & Charge Cards from Police Bank. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare. **Credit & Charge Cards** A Low Rate VISA Credit Card with a low annual fee and up to 55 days interest free period on purchases. ## At a glance - **Purchase rate:** 10.76% - **Annual fee:** $30.00 ## Apply Applications are handled by the provider: [Apply at Police Bank](https://www.policebank.com.au/visa-cards/visa-credit-card/) ## Interest rates | Type | Rate | Comparison | Applies to | | --- | --- | --- | --- | | Purchase | 10.76% | — | — | | Cash advance | 10.76% | — | — | ## Fees | Fee | Type | Amount | | --- | --- | --- | | Visa Credit Card Annual Fee — Charged yearly | Ongoing | $30.00 | | Document Retrieval Fee — Minimum $22.77 per hour retrieval fee and minimum $30.00 per hour administrative fee. | Event | $0.00 | | Bank Draft — Per Draft | Event | $15.00 | | Bank@Post Cash Withdrawal fee — Includes; cash withdrawals, declined Bank@Post transactions including incorrect PIN entered, insufficient funds and exceeding withdrawal limits | Withdrawal | $2.00 | | Visa Voucher Request — Payable per Visa voucher requested. | Event | $16.50 | | Third Party Costs — At Cost. Any costs charged to us from a third party will be passed on to you. Information on these costs is available on request. | Event | $0.00 | | ATM Balance Enquiry fee — At Cost | Event | $0.00 | | Overdrawn Account Fee — Payable when you exceed your credit limit by $75 or more within a calendar month. Interest will also be charged on any amount overdrawn in excess of the approved credit limit at the then current annual percentage rate. | Event | $15.00 | | Counter Cash withdrawal $25,000 and over — Per Withdrawal | Withdrawal | $50.00 | | Visa International Fees — Payable if and when you use the Visa Card overseas and the transaction is in a foreign currency. All overseas transactions are converted to Australian dollars and are subject to this fee as a percentage of the value of the transaction. A proportion of the fee may be retained by Police Bank. The amount of this conversion fee is subject to change from time to time and we will advise you in advance. | Transaction | 3% of transaction | | Additional Statement Fee — $5.00 for Archive Retrieval and $1.50 per page. | Event | $5.00 | | Default Notice Fee — Payable if and when we send you a default notice for an overdrawn account where an arrears remains unremedied after we have sent you an arrears letter. | Event | $21.50 | | ATM Overseas withdrawal — Visa Cash withdrawal at a merchant using the CR (Credit) facility, another financial institution, or an overseas ATM withdrawal, or any ATM withdrawal from an S14 Visa Credit Card. | Withdrawal | $3.80 | | Replacement Card Fee — Payable for any second or subsequent request for the replacement of a Visa Card | Event | $10.00 | | Counter Cash withdrawal fee up to $24,999 — Per Withdrawal | Withdrawal | $2.00 | | External Electronic Periodical Payments — Per transaction that you request Police Bank staff to set up on your behalf. | Transaction | $1.00 | | Visa Overseas Emergency Fee — Payable when you request an emergency replacement Visa Card or emergency cash advance overseas. | Event | $175.00 | | Visa Cash Advance Fee — Visa Cash withdrawal at a merchant using the CR (Credit) facility, another financial institution, or an overseas ATM withdrawal, or any ATM withdrawal from an S14 Visa Credit Card. | Cash advance | $3.80 | | Dormant Accounts fee — After 3 years an account is classed as dormant if no Member transactions occur. Interest, fees and government charges are not classed as transactions. | Event | $10.00 | | Late Payment Fee — Charged where the whole or any part of your loan repayment remains unpaid after 14 days past the due date. Applies to all Police Bank loans and continuing credit accounts | Late payment | $10.00 | ## Features - **Periodical Payments. Can set up Periodical Payments** - **Interest-free period** — 55 days - **Direct Credits. Set regular payments like your pay sent straight to your account** - **PayID** (Mobile Number. Select the Contact Method that you would like to use for your PayID i.e. your mobile number or email address.) - **PayID** (Email Address. Select the Contact Method that you would like to use for your PayID i.e. your mobile number or email address.) - **Digital wallet** — Google Pay (Pay with your Police Bank Visa Debit Cards using Google Pay) - **Bank@Post. Withdraw cash at any participating Australia Post outlets with Bank@POST™** - **Real-time payments (NPP)** (Yes) - **Card access** — Credit Card (Can be used at over 29 million Visa outlets in over 250 countries around the world) - **Direct Debits. Set up Direct Debits from this account** - **Digital wallet** — Samsung Pay (Pay with your Police Bank Visa Debit Cards using Samsung Pay) - **Digital banking** (Internet Banking. You can pay bills via BPAY and check your account details or make transfers anytime or anywhere using our online with Internet Banking – the service is free.) - **Digital wallet** — Apple Pay (Pay with your Police Bank Visa Debit Cards using Apple Pay) - **Visa Preferred Rewards. Our Visa Card provides access to the Visa Entertainment program. This gives you the opportunity to purchase unique deals including preferred seating at special events, discounts on retail as well as other exclusive offers** - **ATM withdrawals. up to $1000** - **Visa PayWave. Our Debit Card is issued with the Visa PayWave ‘contactless’ payment feature. This allows you to pay for purchases under $100 without swiping, signing, or entering a PIN at participating merchants.** - **Verified by Visa. Verified by Visa is a service designed to ensure you are protected while shopping online with your Visa card. As you make a purchase online, Police Bank assesses the risk of the transaction based on a number of factors. In some instances, you may be asked to confirm some personal details (date of birth, mother's maiden name, address details) so Police Bank can be sure the card isn't being used without your permission.** - **Confirmation Of Payee** ## Eligibility - **Residency status** — Australian Citizens - **Residency status** — Australian Residents - **Minimum age** — 18 years - **Individuals only** ## More information from Police Bank - [Overview](https://www.policebank.com.au/credit-card) - [Eligibility](https://cdn.mediavalet.com/aunsw/policebank/VJvq0feD5k--AWdA-eYtXw/NcnCdkzcDUOBShjKjqYU-A/Original/PBS14_Credit-Card-TMD.pdf) ## Data provenance - Published by Police Bank under the Consumer Data Right - Product ID: `c2455d26-e138-4804-b59f-eccfef6df1ee` - Last updated by the provider: 28 July 2026 - Source payload (JSON): https://www.cdrcompare.au/api/raw/police-bank/c2455d26-e138-4804-b59f-eccfef6df1ee - Provider page: https://www.cdrcompare.au/brands/police-bank - CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000391 --- Source: [CDR Compare](https://www.cdrcompare.au/brands/police-bank/products/c2455d26-e138-4804-b59f-eccfef6df1ee) — product data published by Australian data holders under the Consumer Data Right. 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